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What is Voluntary Long-Term Disability insurance?

Voluntary Long-Term Disability (LTD) coverage offers employees who choose to purchase it partial income protection in case of a debilitating injury or sickness. It can provide income they need to maintain financial stability over an extended period.

Voluntary LTD can be purchased in increments of $100 monthly benefit, or employees can choose to cover up to 60% of their monthly earnings, with maximum of up to $5,000 or greater per month.1

Who should consider it?

Being disabled and out of work can be hard enough on its own; for most families the loss of income can be a huge financial blow. By enabling employees to purchase Voluntary LTD coverage, employers can help ease that burden.

  • Key benefits

    Key benefits

    • A range of options for benefit duration
    • Payments made directly to the employee
    • Easy payment through payroll deduction
    • Premiums waived during disability period
    • Progressive claims management and rehabilitation assistance
    • Return to Work incentives
    • Survivor benefits
    • Social Security advocacy
  • Additional features

    Additional features

    Voluntary LTD premiums are based on the employee’s age, and will increase over time. The employer can select an elimination period between 90 and 360 days.

  • Application process

    Application process

    For information or to request a proposal for a Voluntary LTD insurance policy underwritten by USAble Life or The Hartford, please contact your Mosaic Group representative. Coverage may be offered on a Guaranteed Issue basis, as determined by underwriting guidelines.2

  1. Actual benefit levels vary based on group size, demographics and industry, and will be determined by the insurance company selected and their underwriting guidelines.
  2. Actual benefit levels vary based on group size, demographics and industry, and will be determined by the insurance company selected and their underwriting guidelines.